The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,470
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$678/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$649/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$815/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,665/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,662
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$780/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$950/mo
Today · 4.125%
HK$31,943
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,886/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,439
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$910/mo
Today · 4.125%
HK$35,246
baseline
▲ 0.50% · 4.625%
HK$37,104
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,492/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,646
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,221/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,499/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,993
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,146
−HK$1,170/mo
Today · 4.125%
HK$45,316
baseline
▲ 0.50% · 4.625%
HK$47,705
+HK$2,389/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$90,632/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,557 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).